As every prudent businessman knows, an effective way to keep your company's turnover rate to a minimum is to offer your employees an attractive benefits package. With State Central Bank, you have several alternatives to choose from. Feel free to confer with a representative from our trust department to find the plan that will be sure to keep your employees working for you.

Pension Common Trust Fund-For investments of pension plans only. Cash invested in the Pension Common Trust Fund is used to purchase high quality stocks and bonds on major exchanges. Investments are managed locally, and a detailed printout of assets can be requested at any time.

Retirement Account-401K Plan-This is a qualified retirement plan that gives employees flexibility to participate or not. Employees make pretax contributions (the amount of which can change periodically) toward their retirement savings. Earnings are tax-deferred.

Retirement Account Profit-Sharing Plan-This is a qualified retirement plan that could help you reduce turnover as well as boost employee morale. It offers you, the employer, flexibility by allowing you to choose the contribution amount at the end of the year.

Disclosures: Are not insured by the FDIC; are not a deposit or other obligation of the bank and are not guaranteed by the bank; and are subject to investment risk, including the possible loss of the principal amount invested.